Las Vegas, NV · Charter 14348
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Las Vegas, NV · Charter 14348
Q3 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | -0.88% | -1.61% | -3.25% | -3.29% | -13.88% | -15.72% | -13.70% | -1,045 bps | |
| Return on Equity | 4.06% | -9.42% | -17.89% | -41.95% | -44.93% | -295% | -3549% | n/a | n/a | |
| Net Interest Margin | 3.09% | 2.44% | 2.68% | 2.94% | 3.10% | 2.98% | 2.93% | 3.12% | +18 bps | |
| Efficiency Ratio | 88.39% | 108.49% | 101.06% | 99.10% | 95.91% | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.60% | 0.49% | 2.38% | -4.75% | -10.10% | -19.54% | -18.47% | -22.37% | -1,762 bps | |
| Loan Growth (YoY) | 12.85% | -3.64% | -6.49% | -10.48% | -12.30% | -13.06% | -11.70% | -12.61% | -212 bps | |
| Share Growth (YoY) | -11.51% | 5.43% | 18.63% | 14.60% | 5.52% | -8.23% | -10.71% | -12.06% | -2,666 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.03% | 5.76% | 3.06% | 6.27% | 7.18% | 10.23% | 12.19% | 13.61% | +734 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.20% | 0.77% | 1.41% | 3.10% | 3.63% | 5.19% | 8.60% | 9.96% | +686 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.86% | 9.31% | 9.01% | 7.75% | 7.32% | 4.70% | 0.44% | -1.22% | -897 bps | |
| Net Worth / Assets | 9.86% | 9.31% | 9.01% | 7.75% | 7.32% | 4.70% | 0.44% | -1.22% | -897 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 118.42% | 96.39% | 85.35% | 89.10% | 98.42% | 91.31% | 84.40% | 88.55% | -55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |